| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 43 S BROAD ST STE B WINDER, GA 306802037 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $83K | — | $83K | 5.88% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 2190 ALPHARETTA, GA 300232190 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $7K | — | $7K | 0.48% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 9.22% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.77% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099047 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.15% |
| MCGRIFF INSURANCE SERVICES INC3 | 43 S BROAD ST STE B WINDER, GA 306802037 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | $4K | $14K | 21.49% |
| THE BENEFIT COMPANY INC3 | 6 CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $9K | $9K | 12.91% |
| ANDREA R BROCK3 | 5120 INDIAN CIR GAINESVILLE, GA 30506 | AFLAC | $2K | $79 | $2K | 9.55% |
| LAVADA LYNN SCARLETT3 | 3619 SHADY OAK TRL GAINESVILLE, GA 30506 | AFLAC | $251 | $16 | $267 | 1.60% |
| COLLEEN M KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $90 | $16 | $106 | 0.64% |
| KIMBERLY ANN GARRISON3 | 4437 CLUBSIDE DR GAINSVILLE, GA 30504 | AFLAC | $93 | — | $93 | 0.56% |
| MRS JACKSON BOYUM3 | 2040 SKYLAR LEIGH DR BUFORD, GA 30518 | AFLAC | $85 | — | $85 | 0.51% |
| V C SMITH LLC3 | 1352 HARVARD RD NE ATLANTA, GA 30306 | AFLAC | $81 | — | $81 | 0.49% |
| JENNIFER S CAGLE3 | PO BOX 506 CLERMONT, GA 30527 | AFLAC | $81 | — | $81 | 0.49% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $37 | — | $37 | 0.22% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD AND SMITH AGENCY INC | PO BOX 1058 GAINESVILLE, GA 30503 | AFLAC | $30 | — | $30 | 0.18% |
| JOHN BEERMAN3 Filed as: JOHN P ESSIGMAN | 3560 HIGHWAY 255 S CLEVELAND, GA 30528 | AFLAC | $17 | — | $17 | 0.10% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $16 | — | $16 | 0.10% |
| WILLIAM M WARDLAW JR3 | 195 GARFIELD ST SANTA ROSA BEACH, FL 32459 | AFLAC | $15 | — | $15 | 0.09% |
| SHARON L HALL3 | PO BOX 1857 DAWSONVILLE, GA 30534 | AFLAC | $14 | — | $14 | 0.08% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $12 | — | $12 | 0.07% |
| JEFFREY M SINTAY3 | 530 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $8 | — | $8 | 0.05% |
| STEPHANIE BECK3 | PO BOX 372 MOUNTAIN CITY, GA 30562 | AFLAC | $7 | — | $7 | 0.04% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $6 | — | $6 | 0.04% |
| KIRKLYN SMITH WILSON3 | PO BOX 705 CLERMONT, GA 30527 | AFLAC | $5 | — | $5 | 0.03% |
| SUSAN REDDOCH BUFFINGTON3 Filed as: SUSAN REDDOUCH BUFFINGTON | 400 TAX RD SHILOH, GA 31826 | AFLAC | $3 | — | $3 | 0.02% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 38119 | AFLAC | $3 | — | $3 | 0.02% |
| ANA MARIE GARCIA SMITH3 | 110 VANDERVIEW DR SEYMOUR, TN 37865 | AFLAC | $3 | — | $3 | 0.02% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $3 | — | $3 | 0.02% |
| ANDRIANA PARRISH RIVERA3 | 1093 MAGNOLIA WAY LAWRENCEVILLE, GA 30046 | AFLAC | $1 | — | $1 | 0.01% |
| SCOTTI MADISON3 | 3330 COBB PKWY NW STE 324-3 ACWORTH, GA 30101 | AFLAC | $1 | — | $1 | 0.01% |
| ESMERALDA M LUCAS3 | 2135 GLENFIELD TRCE CUMMING, GA 30041 | AFLAC | $1 | — | $1 | 0.01% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 410 BAROQUE DR ALPHARETTA, GA 30009 | AFLAC | $1 | — | $1 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 745 W BROMPTON AVE APT 1 CHICAGO, IL 60657 | AFLAC | $1 | — | $1 | 0.01% |
| LEE RYAN MCGRAW3 | 1170 MANN RD. DOUGLASVILLE, GA 30134 | AFLAC | $1 | — | $1 | 0.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 214 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 441 | $129K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 441 | $129K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 333 | $66K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 333 | $66K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 333 | $66K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 333 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.